Features
Comprehensive retirement tax planning tools built for retirees and pre-retirees managing IRA and 401(k) accounts.
Tax Scenario Modeling
Model Roth conversions for both spouses, extra IRA withdrawals, Qualified Charitable Distributions including stock and cash donations. See the real-time tax impact of every decision across federal and state taxes.
- ✓Per-spouse Roth conversion and withdrawal sliders
- ✓QCD support up to $111,000 per person
- ✓Appreciated stock donation with capital gains analysis
- ✓Instant federal + state + IRMAA recalculation
RMD Calculator
Calculate your Required Minimum Distributions for the current year and project future distributions with customizable growth rates. Supports traditional IRAs, inherited IRAs with beneficiary-specific rules, and 401(k) rollovers.
- ✓IRS Uniform Lifetime Table calculations
- ✓Per-account RMD breakdown
- ✓Multi-year projections with adjustable growth rates
- ✓Inherited IRA support with 10-year rule tracking
Medicare IRMAA Analysis
See exactly where your income falls relative to Medicare Income-Related Monthly Adjustment Amount surcharge cliffs. A single dollar over a threshold can trigger thousands in annual premiums.
- ✓Part B and Part D surcharge calculations
- ✓Cliff-based warning indicators
- ✓Distance to next and previous tier thresholds
- ✓Per-decision IRMAA impact tracking
State Tax Comparison
All 50 states plus the District of Columbia ranked by state income tax for your specific income scenario. Drill into any state for detailed bracket breakdowns, retirement income exemptions, and effective tax rates.
- ✓Personalized rankings based on your income
- ✓Retirement income exemption details per state
- ✓Savings analysis for potential relocation
- ✓Search by state name or abbreviation
Income & Deductions
Enter Social Security, pensions, dividends, interest, capital gains, employment income, and more. Track federal and state withholding per source. Compare standard versus itemized deductions automatically.
- ✓Multiple income source types with withholding tracking
- ✓Itemized deductions: mortgage, property tax, medical, SALT
- ✓Medical expense 7.5% AGI floor calculation
- ✓Automatic standard vs. itemized comparison
Quarterly Tax Planning
Estimated tax payment scheduling with IRS safe harbor rules built in. See how much to pay each quarter based on your total tax situation including all scenario decisions.
- ✓Payment schedule with Q1-Q4 due dates
- ✓90% safe harbor calculation
- ✓Federal and state withholding gap analysis
- ✓Dynamic recalculation from scenario changes
PDF Tax Summary Export
Generate a comprehensive PDF report covering all your income, deductions, tax calculations, scenario decisions, and projections. Share it with your tax advisor or financial planner.
- ✓Complete income and deduction breakdown
- ✓Federal and state tax calculations
- ✓Scenario decision summary
- ✓Professional formatting for advisor review
Complete Privacy
All data stays on your device. No accounts to create, no cloud sync, no analytics, no third-party SDKs. Your financial information is never transmitted anywhere. Delete the app and all data is permanently removed.
- ✓Zero data transmission to external servers
- ✓No analytics or tracking frameworks
- ✓No account creation required
- ✓All calculations performed on-device
Start Planning Your Retirement Taxes
Updated for 2026 federal tax brackets and all 50 state tax rates. Free to download.